Deluxe vs CPI Card
DLX and PMTS side by side, both in printing, publishing, and allied industries. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How DLX and PMTS compare
Deluxe is the larger company, worth 4.3 times as much as CPI Card ($1.2B against $287M).
On earnings, Deluxe is cheaper: it trades at 15.6× trailing earnings, against 18.2× for CPI Card.
CPI Card grew revenue faster over the last twelve months (17.9% versus 0.37% for Deluxe).
Deluxe keeps more of each dollar of sales as profit, with a net margin of 3.8% compared with 2.7% at CPI Card.
Deluxe pays a dividend yielding 4.5%; CPI Card does not pay one.
Deluxe scores higher on the StockData Score (12 against 9 for CPI Card), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | DLX | PMTS |
|---|---|---|
| Size and price | ||
| Market cap | $1.2B | $287M |
| Share price | $26.78 | $24.93 |
| Change, 1 year | 29.2% | 77.7% |
| Change, 5 years | −25.2% | 5.5% |
| Beta (5Y) | 1.08 | 1.27 |
| Employees | 4,571 | 1,700 |
| StockData Score | ||
| Total score | 12 (better) | 9 |
| Valuation score | 2 | 3 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 3 (better) | 1 |
| Health score | 1 | 3 (better) |
| Dividend score | 5 (better) | 0 |
| Valuation | ||
| P/E | 15.6× (better) | 18.2× |
| P/S | 0.6× | 0.5× (better) |
| EV/EBITDA | 8.2× | 6.3× (better) |
| P/FCF | 5.7× | 3.5× (better) |
| PEG | 2.48 | – |
| FCF yield | 17.5% | 28.3% (better) |
| Fair value | $27.31 | $27.90 |
| Margin of safety | 1.9% | 10.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 0.37% | 17.9% (better) |
| Revenue growth, 5Y average | 3.6% | 11.7% (better) |
| Net income growth (TTM) | −3.4% | 14.6% (better) |
| EPS growth (TTM) | −6.0% | 14.2% (better) |
| EPS growth, 5Y average | 74.9% (better) | −2.8% |
| Profitability | ||
| Gross margin | 52.0% (better) | 31.5% |
| Operating margin | 10.7% (better) | 9.3% |
| Net margin | 3.8% (better) | 2.7% |
| FCF margin | 10.1% | 13.4% (better) |
| Return on invested capital | – | 16.0% |
| Financial health | ||
| Net debt / EBITDA | 5.04 | 2.85 (better) |
| Interest coverage | 1.9× | – |
| Current ratio | 1.07 | 2.06 (better) |
| Altman Z-score | 1.40 | 3.14 (better) |
| Piotroski F-score | 7 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 4.5% | – |
| Payout ratio | 70.8% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | 0.00% | – |
| Shareholder yield | 4.5% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 88.0% | 26.7% |
| Held by insiders | 3.2% | 75.9% |
| Insider net buying, 12 months | $3.8K (better) | −$68.9M |
| Short interest, % of float | 9.2% | 16.0% |
Go deeper
- DLX stock overview
- DLX income statement
- DLX valuation and score
- PMTS stock overview
- PMTS income statement
- PMTS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.